As you may know, the Patient Protection and affordable Care Act, also known as health care reform, goes into effect on Jan 1, 2014.
As a result, all Americans will be required to have health insurance in 2014 or face paying a tax penalty (sẽ bị phạt khi đi khai thuế và được tính trên đầu người).
Thông tin bằng tiếng Việt:
Những Ngày Quan Trọng đối với Health Insurance Marketplace:
As a result, all Americans will be required to have health insurance in 2014 or face paying a tax penalty (sẽ bị phạt khi đi khai thuế và được tính trên đầu người).
- 2014 penalty: $95 or 1% of your taxable income (whichever is greater)
- 2015 penalty: $325 or 2% of your taxable income
- 2016 penalty: $695 or 2.5% of your taxable income
Keep these key dates in mind as the health care law takes effect:
October 1, 2013:
Enrollment on the government-run Health Insurance Marketplace for new plans begins. There will be a specific enrollment period every year during which you can renew or change your health plan.
January 1, 2014:
First day new coverage can begin. You must enroll by 12/15 to have coverage effective 1/1. You can apply for coverage after 12/15, but you may be subject to a penalty. The chart below shows the cutoff dates for enrollment and dates that your coverage would be effective.
Cutoff Date Effective Date 12/15
1/15
2/15
3/15
3/16-3/311/1
2/1
3/1
4/1
5/1
March 31, 2014:
Enrollment period for 2014 ends.
If you experience a life event change, you will be able to apply for individual coverage after March 31, 2014. You will need to complete your application within 60 days of your life event. Examples of life event changes include:
- Giving birth to a baby.
- Moving to a different state.
- Losing your health care coverage from your employer.
- Becoming eligible for different products due to changes in your income.
- Federal Government: www.healthcare.gov
- Pennsylvania Insurance Department: www.pahealthoptions.com
- Independence Blue Cross: www.ibx4you.com
Thông tin bằng tiếng Việt:
Những Ngày Quan Trọng đối với Health Insurance Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/key-dates-for-the-health-insurance-marketplace-vietnamese.pdf
Quý vị cần bảo hiểm sức khỏe vừa túi tiền?
http://marketplace.cms.gov/getofficialresources/other-languages/need-affordable-health-insurance-poster-vietnamese.pdf
http://marketplace.cms.gov/getofficialresources/other-languages/need-affordable-health-insurance-5x7-card-vietnamese.pdf
Thông tin về shop Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/about-shop-vietnamese.pdf
Giá trị của bảo hiểm sức khỏe:
http://marketplace.cms.gov/getofficialresources/other-languages/value-of-health-insurance-vietnamese.pdf
Thông tin về Health Insurance Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/about-the-marketplace-vietnamese.pdf
Những điểm cần cân nhắc khi chọn chương trình bảo hiểm sức khỏe:Quý vị cần bảo hiểm sức khỏe vừa túi tiền?
http://marketplace.cms.gov/getofficialresources/other-languages/need-affordable-health-insurance-poster-vietnamese.pdf
http://marketplace.cms.gov/getofficialresources/other-languages/need-affordable-health-insurance-5x7-card-vietnamese.pdf
Thông tin về shop Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/about-shop-vietnamese.pdf
Giá trị của bảo hiểm sức khỏe:
http://marketplace.cms.gov/getofficialresources/other-languages/value-of-health-insurance-vietnamese.pdf
Thông tin về Health Insurance Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/about-the-marketplace-vietnamese.pdf
http://marketplace.cms.gov/getofficialresources/other-languages/things-to-think-about-when-choosing-a-plan-vietnamese.pdf
Lựa Chọn Tốt Hơn. Sức Khỏe Tốt Hơn. Health Insurance Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/better-options-better-health-resources-card-vietnamese.pdf
Sẵn sàn ghi danh trong Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/get-ready-to-enroll-in-the-marketplace-vietnamese.pdf
Application Assistance:
Temple University Health System
Address: 2301 E Allegheny Ave, Philadelphia, Pa 19134 (map it)
Phone: 215 707-2000 (main)
Office Hours: Mon-Fri: 8:00 AM - 8: 00 PM
Sat & Sun: 10:00 AM - 4:00 PM
Web: http://www.templehealth.org
Email: tuhswebdev@tuhs.temple.edu
Helps with: Application Assistance
Out of pocket costs: (apply only to Silver plans)
Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.
Deductible:
The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.
Coinsurance:
Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.
https://www.healthcare.gov/glossary/co-insurance/
Copayment:
A fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service.
What does Marketplace health insurance cover?
Lựa Chọn Tốt Hơn. Sức Khỏe Tốt Hơn. Health Insurance Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/better-options-better-health-resources-card-vietnamese.pdf
Sẵn sàn ghi danh trong Marketplace:
http://marketplace.cms.gov/getofficialresources/other-languages/get-ready-to-enroll-in-the-marketplace-vietnamese.pdf
Application Assistance:
Temple University Health System
Address: 2301 E Allegheny Ave, Philadelphia, Pa 19134 (map it)
Phone: 215 707-2000 (main)
Office Hours: Mon-Fri: 8:00 AM - 8: 00 PM
Sat & Sun: 10:00 AM - 4:00 PM
Web: http://www.templehealth.org
Email: tuhswebdev@tuhs.temple.edu
Helps with: Application Assistance
Out of pocket costs: (apply only to Silver plans)
Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.
Deductible:
The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.
Coinsurance:
Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.
https://www.healthcare.gov/glossary/co-insurance/
Copayment:
A fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service.
What does Marketplace health insurance cover?
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are services all plans must cover.
The essential health benefits include at least the following items and services:
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization (such as surgery)
- Maternity and newborn care (care before and after your baby is born)
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services
Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Learn more about how the Health Insurance Marketplace works, the kinds of plans available, and the four categories of coverage.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
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